市场经济是信用经济,市场经济的健康发展需要社会提供一个良好的信用基础。我国目前正处于市场经济的初级阶段,整个社会的信用水平低下。在市场交易中,商业欺诈、拖欠债务、假冒伪劣等不良行为层出不穷,交易安全无从保障、消费者权益遭受侵害的现象屡见不鲜。在这种背景下,网络商务走进我们的生活。在网络中,远隔千里且素不相识的人可以非常方便地传送信息进行交易,从而大大提高了交易效率。然而,网络交易在给人们带来便利的同时,也给我们提出了一个严峻的问题:在传统交易模式下,信用水平尚且如此低下,那么,在以虚拟性、远程 Market economy is the credit economy, the healthy development of the market economy requires the community to provide a good credit base. At present, China is in the initial stage of market economy and the credit level of the whole society is low. In the market transactions, commercial fraud, debt default, fake and shoddy and other bad behavior after another, trade security can not be guaranteed, the rights and interests of consumers are infringed the phenomenon is not uncommon. In this context, online business into our lives. In the network, distant and unknown people can easily transfer information to trade, thus greatly improving the efficiency of the transaction. However, while internet transactions bring convenience to people, it also poses a serious problem for us. In the traditional trading mode, the credit level is still so low, so in terms of virtuality, remote